Block 442 Pasir Ris Drive 6 #01-32/34 Singapore 510442
442 Pasir Ris Drive 6 Singapore 510442 SG

POSB Bank (or simply called POSB) is a Singaporean bank offering customer banking services and is the earliest bank in continuous operation in Singapore. Developed on January 1, 1877 as the Post Office Savings Bank, the bank now operates as part of DBS Bank, which acquired the organization and its subsidiaries on November 16, 1998.

Prior to its acquisition, the bank was a major public bank offering low-cost banking services to Singaporeans. DBS Bank tries to continue this tradition by promising to keep costs low for basic savings accounts, and to exempt kids, full-time trainees below the age of 21 years and full-time National Servicemen from bank charges.

Advice For Getting Personal Loans In Singapore

Do not ever take out a personal loan from a bank a few months prior to the major loan if you are planning to take a significant loan. This will impact you.

If you are taking a loan from the bank for a house or automobile, it is essential to note your Debt Servicing Ratio which is a procedure of the portion of your regular income towards the payment of your car or home loan.

A DSR of 50% means your loan payments, plus repayments of any other loans you have, cannot go beyond 50% of your income.Just for reference, many banks enable 40% DSR for a house, and 30% DSR for a car.

Loans Get Cheaper As the Loan Gets More Specific – So when it pertains to getting loans, be as particular as you can. Do not take a personal loan to refurbish your house, not when there’s a renovation loan plan. Don’t take a personal loan to pay for your education, when there’s an education loan package.

In order to encourage you, particular loan packages often have lower interest rates. Personal loans tend to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc).

A lot of personal loans are unsecured. As in, there’s no security behind them. And since the releasing banks have no security, they’ll compensate by boosting interest rates.

If you aren’t confident you’ll pay it back, that indicates you must never ever take a individual loan without understanding of exactly.

Do not use personal loans as alternative business loans. Do not utilize them to trade on Forex. Do not utilize them to buy high risk equities. You should only take a personal loan to reduce cash flow issues.

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For years, we have been providing competitive loan packages to those that needs emergency funds. ...